Bank of America Bank Account Or Service Complaint

Bank of America Bank account or service department,

Checking account Deposits and withdrawals Maryland

I have set up through Bank of America an automatic bill pay toward my student loans. In - 2016 I had refinanced my student loans and my payments were deferred for the month - 2016 and - 2016. I thought I had cancelled the automatic bill pay for - and - 2016. The payment for - did not process. However, the - payment did process. I contacted Bank of America on - - when I saw the payment for $400.00 processing. I was told that there is nothing that they could do until the payment posted to my account. I called Bank of America on - - when the payment posted to my account and I was told that there was nothing that they could do to reverse the payment since it was done through bill pay. They told me to contact the vendor who received the payment. The vendor initially told me that it will -- business days for a decision regarding my refund request. I contacted the vendor again and was later told it will take -- days for them to reverse the payment and that I should process the refund request through my bank since it was a ACH payment and they can refund the money back to me faster. My bank keeps telling me that it was not a ACH payment and that they can not reverse the payment even though I am disputing the payment.